Connectivity API, Setup Assistant

ZoneReconcile's Connectivity API lets you securely link your bank accounts and automate bank statement retrieval directly within NetSuite — eliminating manual imports and keeping your reconciliation data current.

Note: Clicking on the images within this guide will enlarge them for better viewing.

Overview

ZoneReconcile supports 2 bank connectivity providers depending on your region:

Prerequisites

Important: Log in to NetSuite as an Administrator before beginning this setup. ZoneReconcile requires Administrator-level permissions to store access credentials. Without them, the connectivity setup will fail.

Getting started

1. Navigate to Setup > ZoneReconcile Setup > Connectivity API.
2. Click Link Bank Account to begin the bank connectivity setup.
3. Select the region that corresponds to your bank's location:
   • NOAM — US and Canadian banks (uses Plaid)
   • EU — European banks (uses Plaid)
   • UK — United Kingdom banks (uses Plaid)

   • AU — Australian banks (uses Basiq)

      

4. Click Continue to proceed. The setup experience will differ depending on the provider for your selected region.

Connecting with Plaid (NOAM, EU, and UK)

Follow the steps below if you selected the NOAM, EU, or UK region.

Step 1: Generate access tokens

1. On the token generation screen, click Open the Connectivity Quickstart.
2. Enter your phone number to validate your identity, or continue as a guest for a simple test only.

Step 2: Select your bank institution

1. Select your bank institution from the list. If your bank is not visible by default, use the search bar to locate it.
2. Select the tile for your institution. The system will prompt you for your login credentials.
3. Enter your online banking credentials, then click Continue to login.

Step 3: Authenticate with your bank

1. Enter your credentials in the popup and click Sign in.
2. Complete any multi-factor authentication steps if prompted (e.g., a code sent to your mobile device).

Important (UK region): If you selected the UK region, a legal consent screen will appear before the Plaid Link interface. Review the consent narrative and select the agreement checkbox before proceeding. This is required because Plaid Financial Ltd. is an authorised payment institution regulated by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017, and Zone & Co acts as its agent for UK bank connectivity.

Step 4: Select bank accounts

1. Select the accounts you want to reconcile using ZoneReconcile from the list of available accounts.
2. Agree to share the additional account information with ZoneReconcile.

Important: Sharing this additional data is required. Without it, ZoneReconcile cannot identify account numbers, which will cause a connection failure.

3. Review and agree to the terms and conditions.
4. You will see a Success message.
5. If you wish to, safeguard your login details.

Step 5: Store the access token

1. Once access tokens are successfully retrieved, click Continue.
2. The system will attempt to save the access token automatically. If the automated option is unavailable, proceed to Store credentials manually below. 

Connecting with Basiq (Australia)

Follow the steps below if you selected the AU region. Basiq uses Open Banking under Australia's Consumer Data Right (CDR) framework. The flow differs from Plaid in 3 key ways:

• User verification requires your email address and mobile number.
• The bank consent interface opens in a new browser window (pop-up) rather than embedded in the page.
• Consent is valid for up to 365 days, after which renewal is required.

Step 1: Provide user details

1. Enter your business details, email address and mobile phone number. Basiq uses these details to create a secure user profile for your bank connectivity.
2. Click Continue to Connect.

Step 2: Authorise via the Basiq consent window

1. A new browser window (pop-up) will open displaying the Basiq consent interface. Click Approve.
2. In this window:
   • Review the data sharing information.
   • Search for and select your bank from the list of supported Australian institutions.
   • Log in using your online banking credentials (these are handled directly by Basiq and your bank — ZoneReconcile does not store them).
   • Select the accounts you want to connect.
   • Grant consent to share your account and transaction data.
3. Once you complete the consent flow, the pop-up will close and the Setup Assistant will continue automatically.

Important: The Basiq consent window opens as a separate browser pop-up. Ensure your browser is not blocking pop-ups for this site. Do not close this window until the process is complete.

Step 3: Credential storage

Basiq credentials (the User ID) are stored by ZoneReconcile during the setup wizard. In most cases this happens automatically; if not, proceed to Store credentials manually below.

1. Click Continue to proceed to the import schedule and account linking steps.

Store credentials manually (all regions)

If ZoneReconcile is unable to store your access credentials automatically, follow these steps. This applies to both Plaid and Basiq connections.

1. Click Open API Secrets in a new tab.
2. On the API Secrets page, click Create new.
3. Enter a descriptive name to identify the token's purpose.
4. Enter the access token value in the Password and Confirm Password fields.
5. Enter the Script ID in the ID field.
6. Navigate to the Restrictions subtab
   1. For Plaid, restrict script access to customscript_zr_bc_plaidtranssync and customscript_zr_bank_conn_plaid_serv_sl. 
   2. For Basiq, tick Allow for all scripts.
7. Tick Allow for all domains.
8. Click Save.
9. Select the checkbox I've stored my credentials in my Company setup, then click Verify.
10. On the verification page, confirm all steps are complete and click Continue to proceed to the import schedule and account linking steps.

Configure import schedule (all regions)

Select how frequently ZoneReconcile should connect to your bank and download available transactions:

• Daily
• Weekly
• Monthly
• Quarterly

Select your preferred schedule and click Continue.

Link NetSuite GL accounts (all regions)

1. In the NetSuite GL Account field, select the General Ledger account that corresponds to each retrieved bank account.
2. In the Date of Initial Retrieval field, select the earliest date for which transactions should be downloaded to the File Cabinet. 

Important: The retrieval date is limited to 30 days in the past.

Important: If you are an existing ZoneReconcile user, inactivate any existing bank account configurations before continuing. The Setup Assistant generates new bank account configurations and auto-processing rules — previous configurations with a different file format will be redundant.

3. Click Link Accounts and Finish. The system will generate the following records:
   • Bank Institution record (per banking institution)
   • Multi-statement bank account configuration
   • Bank account configuration
   • File Cabinet folders per bank institution (within the BankConnectivity parent folder)
   • Bank statement file processing rule

Once all records are generated, the system will redirect you to the Financial Overview Dashboard, where the selected banks will display as Connected.

Manage bank account connections

Remove a bank account connection

Removing a single bank account connection does not revoke access tokens or affect remaining connected accounts.

1. Navigate to Setup > ZoneReconcile Setup > Connectivity API.
2. In the Bank Accounts table, click Expand on the relevant bank institution.
3. Click Disconnect next to the account you want to remove.
4. In the confirmation popup, select one of the following:
   • Disconnect — stops transaction sync (useful for temporary purposes, testing, or troubleshooting).
   • Disconnect and Remove — stops transaction sync and removes the bank account from the table (use when the bank account is permanently closed).

Important (AU — Basiq): If you disconnect all bank accounts under an ANZ institution, the Basiq user connection may be fully deactivated. If reconnection is needed later, you may need to complete the consent process again.

Reconnect a bank account

The Status field on the Connectivity API page will display Disconnected if a connectivity issue is detected.

1. Click the Connect button in the Actions column.
2. If the status does not change to Connected, click the Update button to refresh the access token or consent:
   • Plaid (Americas, EU, UK): The Update button launches the token generation flow to update your access key. The system saves the updated token under API Secrets.
   • Basiq (AU): The Update button opens a new consent window where you can renew your consent or extend the data sharing period. Basiq consent is valid for up to 365 days — the system will notify you when renewal is approaching.

Add a new bank account to an existing institution

1. Click the Link Bank Account button in the header of the parent connection. This launches the Setup Assistant in update mode.
2. Follow the provider-specific steps:
   • Plaid: The system initialises Plaid in update mode, allowing you to link additional accounts within the same institution.
   • Basiq: The system creates a new consent link and opens the Basiq consent pop-up, where you can link additional accounts or institutions.

Transaction sync

Once your import schedule is configured, ZoneReconcile will automatically download transactions to the File Cabinet according to the following rules:

• If the initial retrieval date is today or in the past, the system retrieves transactions starting from today's date + 24 hours.
• If the initial retrieval date is in the future, the first download will execute after 24 hours.

Important (AU — Basiq): Due to provider-level rate limits, Basiq transaction sync runs on a scheduled basis rather than in real time. Large initial transaction pulls may complete across multiple scheduled runs. The system automatically resumes where it left off.

To process bank statements, the next action is to schedule the AutoImport process as described under this article Enable the Auto Import Logic.